If you’re thinking about applying for life insurance, you’ll likely be required to have a medical exam. But what exactly will the exam entail, and what are some of the things your doctor will be looking for? If you’re a resident of Jefferson City, MO, Luebbering Insurance Agency LLC is here to help you understand what to expect.

Honesty Is the Best for Your Policy

The most important thing is for you to be honest with your doctor. If you have health concerns that may impact your ability to get life insurance, your doctor will want to investigate.

For example, if you have diabetes, your doctor will want to know about the type of diabetes, how long you’ve had it, and what medications you’re taking. These are all things that can impact your premiums, and you could even be denied insurance if you don’t disclose all of this information.

The Exam

During a paramedical physical, your doctor will ask questions about your health. They’ll want to know about your current health, medical history, and medications or supplements. They’ll also want to examine you, looking for signs of disease or injury. This part of the exam typically lasts about 20 minutes.

Among the tests that will be performed, you can reasonably expect them to include: blood pressure, urine analysis, and a blood glucose test. Some older applicants may need an electrocardiogram and a cognitive/mobility exam.

You must also sign a release form authorizing your doctor to share your medical information with the insurance company.

After The Exam

It can take up to six weeks for your insurance company to process your application and decide.

Don’t wait too long to file your application. Let Luebbering Insurance Agency LLC of Jefferson City, MO help you get the insurance you need today.